Global payments, trade finance and institutional solutions
For families, students and businesses. Send money home, pay school fees abroad, or settle a supplier invoice in another currency. Every sender is verified, every receiver is checked, and every large payment is matched to a real invoice, contract or school bill.
Indicative quote. Your final rate is locked when you book.
Send money homeFamily and business payments that land in minutes.
Trade and businessPay verified suppliers from Lagos to Shanghai.
School fees, no limitPaid straight to accredited schools and universities.
Capital for growthTrade finance and loans through licensed lenders.
One team, every borderApprovals, tracking and records your whole company can see.
Send and receive in 40+ currencies
PayDsecure Remit
No queues, no agents, no surprise charges. Pay from your bank or card, and your family is paid straight into their Nigerian bank account or mobile wallet.
Send to
Multi-currency dashboard
See, convert and send naira, yuan, dollars, pounds and euros from one dashboard. Customer funds are held by our licensed banking and payment partners, never mixed with company money.
Our divisions
Accept payments online. Merchant checkout, payment links, invoices, refunds and a dashboard for every transaction.
ExploreCross-border business payments, China–Nigeria supplier settlements, international collections, live FX quotes and payments to verified beneficiaries.
ExploreInternational school and university fees, examination fees and hospital bills, paid only to verified institutions, with a receipt for your records.
ExploreBusiness financing applications, invoice and purchase-order financing and commercial credit referrals to licensed banks, private credit funds and finance companies.
ExploreSend money home fast. Payouts to Nigerian bank accounts and mobile wallets, repeat a transfer in one tap, and your family gets an alert the moment it lands.
ExploreChina ↔ Nigeria trade
Importers lose money to fake supplier accounts, blocked transfers and long SWIFT delays. PayDsecure only pays a supplier whose company we have verified, against the invoice you approved.
Payments in the US, UK and Europe use the same verified, tracked process.
Nigeria ↔ China trade desk
From the first supplier check to the last container, PayDsecure keeps the money, the documents and both companies in one trusted record.
Find Chinese suppliers we have already checked, or invite your own. Their business licence and bank account are confirmed before the first payment.
Learn morePay a deposit now and the balance when the bill of lading or delivery is confirmed. Each stage is released through our licensed payment partner.
Learn moreKeep Form M, proforma invoice, packing list and bill of lading with each payment, ready for your bank and customs.
Learn moreInvoices, payment certificates and supplier notices in English and Chinese, so both sides see exactly the same thing.
Learn moreUpload one file to pay dozens of suppliers in one go, each matched to its own invoice.
Learn moreLock today's naira–yuan rate for an upcoming order, or set an alert for the rate you want.
Learn moreSee each step live: received, checked, converted, paid. The supplier gets the same tracking link.
Learn moreChinese companies pay Nigerian partners, contractors and staff in naira, with the same checks.
Learn moreIf the documents do not match the order, the next payment stage is paused while our trade team reviews them with both companies.
Learn moreWhat we add
| Typical money-transfer app | PayDsecure | |
|---|---|---|
| Who can receive | Anyone with an account number | Checked people, verified companies and accredited schools |
| School fees | Same limits as any transfer | No limit, paid to the school directly |
| Large business payments | Low limits, frequent holds | No fixed cap; enhanced checks instead |
| Invoice and contract matching | No | Yes, every business payment |
| Two-person approval | Rarely | Built in (maker-checker) |
| China ↔ Nigeria supplier payments | Limited or none | Naira in, yuan out |
| Trade finance and loans | No | Through licensed lending partners |
| ERP / ETRM connection | No | Your ERP and trading systems, by API |
PayDsecure Institutional
Paying a school or hospital is the one personal payment with no limit on PayDsecure, because the money can only go to a verified, accredited institution. Never to an agent, and never to a personal account.
Personal limits
Limits protect you from scams and keep every corridor open. Businesses and schools are checked differently, so their limits differ.
| Type | Per transfer | Per month |
|---|---|---|
| Personal, from Africa to the US | $2,000 | $10,000 |
| Personal, all other routes | $10,000 | $25,000 |
| School fees to an accredited school | No limit | No limit |
| Verified business | No fixed cap | No fixed cap |
Payments above these amounts need extra checks. Limits can change as you build a history with us.
PayDsecure Capital
Your verified payment history on PayDsecure becomes your strongest credit file. Apply once and we present your deal to licensed banks and funds.
Apply for financePayDsecure arranges finance and does not lend itself. Loans are offered and approved by licensed lenders, on their own terms.
Security
Fraudsters target cross-border trade with fake invoices and switched bank details. PayDsecure is built so a stolen password alone cannot move your money.
Trust & compliance
PayDsecure is designed to the standards banks, auditors and regulators expect. Here is what that means for your money and your data.
Our controls follow the SOC 2 Trust Services Criteria: security, availability, processing integrity, confidentiality and privacy. Access reviews, change approvals, logging and incident response are in place from day one, ahead of our independent SOC 2 Type II audit.
We never see or store full card numbers. Cards are captured and processed by PCI DSS Level 1 certified payment partners, so card data stays inside their certified environment and our systems handle only secure tokens.
We collect only what the law and the payment need. Personal data is encrypted in transit and at rest, access is limited to staff whose role requires it, and every view is logged. We follow the Nigeria Data Protection Act, UK and EU GDPR and US state privacy laws, and we never sell your data.
Our systems flag unusual payments and risk, but people decide. A trained PayDsecure officer reviews every large payment, every credit and financing recommendation, and every account hold. Automated tools never approve a loan or close an account on their own, and you can always ask for a human review.
Identity and business verification, sanctions and politically exposed person screening, transaction monitoring and suspicious activity reporting, run under a written AML and counter-terrorist financing programme.
Encrypted backups in separate locations, tested recovery plans and a documented incident response process, so a fault in one place does not stop your payments or lose your records.
Pricing
We use the mid-market rate you see on Google, with no markup. You pay one small fee, shown before you send.
| Payment | Fee | Exchange rate |
|---|---|---|
| Personal, up to $10,000 | $0.99 + 0.7% | Mid-market, no markup |
| School fees, any amount | $0.99 + 0.6% | Mid-market, no markup |
| Business, $10,000 – $100,000 | $5 + 0.5% | Mid-market, no markup |
| Business, $100,000 – $1 million | $10 + 0.35% | Mid-market, no markup |
| Business, over $1 million | 0.25% | Mid-market, no markup |
$499/mo
Unlimited payments, dedicated compliance officer, ERP integration.
Choose EnterpriseTell us who you are: a person sending money, a parent or student paying school fees, or a business. We will send the checklist and set up your account.
Prefer to talk? Call +1 518-417-7482
